SBI SimplyCLICK Card Review: A Starter Card for Online Shoppers

The SBI SimplyCLICK Card is one of the more common "first credit card" recommendations in India for a simple reason: it has a low entry bar, an accessible fee, and accelerated rewards on a set of large online partner merchants that most people already shop with. It's not a card you'd want to carry forever, but as an entry point it does its job well.

Who it's for

SimplyCLICK suits someone applying for their first or second credit card who shops online with a handful of big names — Amazon, BookMyShow, Cleartrip, and other listed partners — rather than across a scattered mix of smaller sites. If your online spend is genuinely varied across dozens of different merchants, the SBI Cashback Card review is usually the better fit since it pays a flat rate everywhere online instead of requiring you to shop specific partners. If this would be your very first card, it's worth reading choosing your first credit card before applying to anything.

Reward structure and earn rate

SimplyCLICK earns 10X reward points (effectively around 2.5% back, at roughly 25 paise per point) on spends with SBI's listed online partner merchants, and a base 1 reward point per ₹100 elsewhere. Amazon.in is typically included among the higher-earning partners, which matters if a meaningful share of your online shopping already goes there. Outside the partner list — dining out, fuel, general retail — the earn rate drops to the base rate, so the card's value is concentrated rather than spread evenly across your spending.

The welcome benefit is a ₹500 Amazon.in gift voucher credited shortly after the card is activated, which is a nice offset against the joining fee in year one.

Key benefits

The card keeps things simple: no annual lounge memberships or milestone travel perks to track, just accelerated points on online partner spend and the base rate elsewhere. For students, freelancers, or anyone easing into their first year of credit, that simplicity is arguably a benefit in itself — see our best cards for online shopping in India roundup for how it stacks against other entry-level options.

Fees

Joining and annual fees are ₹499 each, waived on ₹1 lakh of annual spend — a lower bar than most cashback cards, which makes the fee easy to offset even for lighter spenders. Redeeming points for statement credit, vouchers, or products carries the standard ₹99 + tax processing fee per redemption batch.

How to apply

Eligibility is comparatively relaxed: a credit score around 680 and a minimum monthly income near ₹20,000, open to both salaried and self-employed applicants aged 21–65. Apply via the SBI Card application page.

Where to go from here

Once your spending grows past what SimplyCLICK rewards well, it's worth revisiting the SBI credit cards guide or comparing it against the SBI Cashback Card for a flat-rate alternative. For a broader shortlist of shopping-focused SBI cards, see best SBI credit cards for shopping.